Important item explanation personal information protection system

Abstract

To efficiently protect personal information on an important item explanation based on a law.SOLUTION: A WEB server, a cloud server, and terminals constitute a network. A contractor is authenticated, distributed management of information of an important item manual is distributed and managed, and collation and conformation are efficiently implemented. Confidential information on important item explanation based on law is implemented by a mode in which personal information protection of the contractor cannot be visually confirmed by character strings in an identification card.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a personal information protection system in important matters explanation. [Background technology]

[0002] The Real Estate Transaction Business Act, Architects Act, Insurance Act, Securities and Exchange Act and other laws require that when entering into a contract such as real estate transactions, architectural design entrustments, banking transactions, M&A contracts, securities contracts, and insurance contracts, the contractor must provide the contracted party with an oral explanation and an important matters explanation document to ensure a mutual understanding of important matters such as the contract contents and disclaimers, and to mutually confirm matters related to the contract. The important matters explanation is when the contracting party explains important matters in the contract to the contractee. Other than the important matters explanation, in the insurance, securities and financial industries, there is the "prospectus" to explain the outline of the financial product, the "transaction risk explanation" for that financial product, and the "confirmation" for the above, and in M&A (corporate acquisition), there is the "company profile non-name sheet", "basic due diligence materials", "confidentiality agreement", "final due diligence report", etc. When explaining important matters, the document that contains the contents of the explanation and is delivered to the contractee is called the important matters explanation. For example, in real estate transactions, the Real Estate Transaction Business Law requires real estate agents to explain important matters related to the contract contents such as facilities, conditions, restrictions, etc. to applicants for real estate purchases and rentals in a form called an important matter explanation. In addition, this explanation must be conducted face-to-face by a licensed real estate agent who presents his licensed real estate agent certificate, and the contents must be put in writing and handed over to the applicant. Similar important matter explanations are also required when making other contracts.

[0003] The explanation of important matters is generally an explanation of important matters given "before the contract is made" in order to determine whether or not to enter into the contract. Most disputes over contracts arise because "I wasn't told about that." Most of this "I didn't hear about that" is related to the explanation of important matters, and while some are genuinely "I didn't hear about it," there are various reasons for this, such as "I heard about it but I forgot," or "I may have heard about it but didn't understand it well." In order to prevent disputes caused by "not hearing about it," the "Explanation of Important Matters" is explained orally, and the contractee signs and seals the document to indicate that "I certainly heard the explanation of important matters."

[0004] The important matters explanation must be done before the contract is concluded. The contracting party must write down all important matters to be explained and deliver the document (important matters explanation document). In the case of a contract involving multiple contracting parties through agents or intermediaries, each contracting party is obligated to explain important matters from their own perspective.

[0005] However, this important matters explanation requires that the contractor and the contracted party meet face-to-face for an explanation, and the interview is likely to be lengthy. If a party is too busy to attend the important matters explanation, they can appoint a representative to receive the explanation, or recently it has become possible to receive the important matters explanation online via the Internet, but in either case the explanation must be given face-to-face, and no rational method has been developed to solve the problem of lengthy interviews.

[0006] In addition, when the important matters explanation is given, the contracting party and the contracted party must present identification such as a My Number card, health insurance card, driver's license, passport, etc. to prove their identity. When the important matters explanation is given via a network such as the Internet, it is necessary to register or upload an image of the identification document and confirm each other's identity.

[0007] However, identification documents contain a variety of personal information, some of which is important information that is not necessary for the contract in question, and unnecessary information is blacked out or otherwise edited before being registered and uploaded. This has not resolved the cumbersome procedures and risk of personal information leaks caused by the time-consuming editing process.

[0008] In the above technical fields, Patent Document 1 discloses a technology for efficiently managing contracts, etc. Patent Document 2 discloses a technology for automatically generating data for important matters explanation documents. Patent Document 3 discloses a technology for protecting personal information while generating data that can be used as evidence of the important matters explanation documents. [Prior art documents] [Patent documents]

[0009] [Patent Document 1] JP 2019-086857 A [Patent Document 2] JP 2015-022652 A [Patent Document 3] JP 2021-190748 A Summary of the Invention [Problem to be solved by the invention]

[0010] As stipulated in each law, the important matters explanation must be conducted in a face-to-face interview. However, face-to-face interviews not only take a long time, but also have few ways to prevent problems such as misunderstanding the important matters explanation or not confirming the contents. The contracting party is required to present identification required by law to the contractee, and subsequent document explanations and mailings are required to be done online, saving time for both the contracting party and the contractee and improving understanding of the content. Additionally, personal information within identity document data in the case of online systems must be protected.

[0011] The object of the present invention is to provide a non-visual authorization technology for personal information protection in an integrated system that includes personal information registration and authentication, shared recognition and confirmation of important information explanations, etc., using a web server, a cloud server, and various terminals to solve the above-mentioned problems. [Means for solving the problem]

[0012] Information regarding important matters will be managed through an integrated system that includes web servers, cloud servers, and various terminals. The various terminals are portable information terminals operated by the contractor and the contracted party. Confidential information such as important matters explanation documents are stored and operated only on the cloud server, and the data is deleted from the cloud server after the important matters explanation documents are stamped, mailed, and received. Effect of the Invention

[0013] According to the present invention, it is possible to provide a system and method for supporting the explanation of important matters, which can efficiently conclude a transaction between the contractee and the contracting party based on information explaining important matters related to the contract. [Brief description of the drawings]

[0014] [Figure 1] Network diagram of the present invention [Diagram 2] Contractor Flowchart [Diagram 3] Example of making My Number cards invisible [Figure 4] Example of making health insurance cards invisible [Diagram 5] Example of driver's license non-visible [Figure 6] Example of a non-visible passport DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0015] An important matters explanation personal information protection system according to an embodiment of the present invention will be described below. First Embodiment FIG. 1 is a diagram showing the overall configuration of an important matter explanation personal information protection system according to an embodiment of the present invention. As shown in FIG. 1, the important matters explanation personal information protection system includes, for example, a policyholder terminal 10, a policyholder terminal 20, a WEB server 30, and a cloud server DB 40. The contractee terminal 10 is a terminal used by a contractee who is considering entering into a contract. The contractor terminal 20 is a terminal used by the contractor.

[0016] The contractee terminal 10 and the contracting party terminal 20 may be a smartphone or the like. The WEB server and cloud server DB40 are realized by a server operated by the operator of the important matters explanation personal information protection system.

[0017] The WEB server 30 is accessed from the contractee terminal 10 and the contracting party terminal 20 via a network.

[0018] The WEB server 30 accesses the cloud server DB 40 and obtains from the cloud server DB 40 information corresponding to display requests from the contracted customer terminal 10 and the contracting customer terminal 20 .

[0019] The writing of important matter explanation information and uploading of important matter explanation materials to the cloud server DB40 are carried out by the contractor.

[0020] This invention is implemented in the important matters explanation of the contract. The communication and acceptance of the important matters explanation is required to be strict.

[0021] The following explanation is based on generalized terminology examples. The terminal is preferably a mobile terminal, and can be a smartphone, PC, or any other device. The terminal has a means (function) to send and receive the important matters explanation information (including various data below). For example, the terminal can be used to authenticate the person operating the terminal (the contracting party and the contracted party), and to check matters that need to be confirmed, such as the important matters explanation document, by sending and receiving them mutually.

[0022] As a specific example, it is applied to check the contractor and the contractor, and the contractor's attributes (face, name, age, ID, etc.) are authenticated. Important information is sent to a server (hereinafter including cloud) by the contractor and stored. The ID generated by the contractor is used in common with the contractor. A password is registered by each party and used as login information for accessing the system.

[0023] The equipment checks confidentiality, qualifications, etc. using a combination of ID, PIN, etc., and specific operations and functions.

[0024] As one example, a check can be performed by sending and receiving data between a web server (including the cloud) and a terminal.

[0025] It is advisable to require the contract recipient to perform a specified operation as proof that he / she has understood and confirmed the important matters explained to him / her. This can be done by tapping on the display of a mobile device, entering a designated number, or other specified input or operation.

[0026] By displaying the contractor's photo before watching the video (when important matters are explained), the contractor can not only sign in online, but also identify and confirm the contractor. In addition, a function can be implemented to upload document images with photographs, such as health insurance cards, driver's licenses, passports, and My Number cards, as identification documents for the contracting party and contracted party. In that case, a personal information protection function can be implemented by using image recognition technology or artificial intelligence technology to erase or encrypt the personal information strings in the identification document and store them in an unrecognizable form.

[0027] The WEB server 30 identifies that the operator of the third-party terminal is a third party who is neither the contractor nor the contracted party, based on the authentication information from the third-party terminal at the time of logging in. Then, the WEB server 30 displays the identification card on the third-party terminal in such a manner that the personal information character string displayed on the identification card cannot be seen.

[0028] 3 to 6 are schematic diagrams showing examples of processed identification cards displayed on a terminal. The displayed contents of the ID shown in the figure are the same as those of the uploaded ID. However, the personal information character strings displayed on the ID shown in the figure are, for example, blacked out. As a result, a person viewing the ID can confirm that the person is the same person as the contracted party, but cannot see the blacked out personal information. Personal information is protected within the system by identifying the personal information character strings on the ID using image recognition using artificial intelligence or a program, and storing the character strings as data in a format that makes them unrecognizable by coloring them in black or other colors, encrypting them, erasing them, etc.

[0029] It is also possible to automatically create a contract based on important information, etc. Also, the contract can be concluded by signing the contract online.

[0030] By receiving the important matters explanation in advance on a mobile device such as a mobile phone (smartphone), time can be saved and the important matters explanation can be understood efficiently.

[0031] The Contractor can convert the Important Matters Explanation Information and other information into PDF (Portable Document Format), WORD, TEXT, character string data, artificial intelligence recognition data format, etc., and upload that data to allow the Contractee to display and confirm the Important Matters Explanation Information within the WEB service. The Contractee cannot conclude a contract within the WEB service unless he or she confirms the Important Matters Explanation Information.

[0032] By being able to check the important matters explanation video in advance on a smartphone (mobile device), the time it takes to understand and check the important matters explanation document can be reduced.

[0033] The Important Matters Explanation Document Upload function allows users to input, fill in, and check important matters explanation documents on the network by viewing the documents on input devices such as smartphones. By linking this system with printing devices such as multifunction devices, copy machines, and printers, uploaded documents can be output and printed in PDF format, etc.

[0034] By the contracted party displaying the screen indicating that the important matters explanation video has been confirmed on a terminal, etc., the contractor can quickly confirm that the contracted party has completed the important matters explanation. [Industrial Applicability]

[0035] In contracts, the use of networks can be applied to applications such as free access to important information, time saving, and prevention of problems due to misunderstandings of important information. [Explanation of symbols]

[0036] 10 Subscriber terminal 20 Subscriber Terminal 30 Web Server 40 Cloud Server DB 50 Third Party Terminals

Claims

[Claim 1] A system server that provides important information services based on the law; The terminal equipment of the contractor, the contracted party, and the third party, and An important matter explanation personal information protection system in which the system server and the terminal device are connected via an Internet line, The terminal equipment of the subscriber is a first upload means for uploading the important matters explanation information and a first identification image of the contractor to the system server; Equipped with The system server includes: a member registration determination means for determining whether or not the subscriber can register as a member; a transmission means for transmitting the important matters explanation information uploaded by the first upload means to the terminal device of the contractee; a masking means for making a part of the first identification image and the second identification image of the contractee invisible; Equipped with The terminal equipment of the contracted party is a second uploading means for uploading the second identification image to the system server; A receiving means for receiving the important matter explanation information from the system server; A display means for displaying the important matter explanation information; As proof that the contracting party has expressed its intention to confirm the Important Matters Explanation Information, A reception means for receiving an operation; Equipped with The important matters explanation information is Important matters explanation document, Including, The first identification image and the second identification image each include String information, Non-string information; Including, The first uploading means uploads the data converted from the important matters explanation document to the system server, the masking means makes only the character string information of each of the first identification image and the second identification image invisible, the system server displays the first identification image and the second identification image, in which the character string information is made invisible, on the terminal devices of the contractor, the contractee, and the third party, respectively; The timing when the system server displays the first identification image and the second identification image on the terminal device of the third party is after the system server has identified that the operator of the terminal device of the third party is the third party based on authentication information received from the terminal device of the third party. A personal information protection system characterized by an important matter explanation.

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